Click2Protect Supreme Plus review
One complaint per 10,000 claims — the lowest in the industry. You pay for that reliability.
HDFC Life Click2Protect Supreme Plus scores 4.4/5 in our assessment. HDFC Life settles 99.66% of claims and draws 1 complaint per 10,000 claims. Cover runs ₹25 L – no maximum limit (subject to underwriting). Illustrative premiums start at ₹16,761 a year.
View policy document on HDFC Life's website ↗
- Our score
- 4.4 / 5
- Claim settlement ratio
- 99.66%
- Complaints per 10,000 claims
- 1
- Cover available
- ₹25 L – no maximum limit (subject to underwriting)
- Entry age
- 18–65 yrsTBD
- Term
- To age 85 / whole life
What Click2Protect Supreme Plus covers
- Death from any cause during the policy term
- Terminal illness — full sum assured paid on diagnosis
- Accidental death with enhanced payout (rider)
- Critical illness across 60 conditions (rider)
Key features
- Three variants — Life, Life Plus and Life Goal
- Life Stage Boost raises your cover at marriage or childbirth with no fresh medicals
- Premium Break lets you pause premiums temporarily while cover stays live
- Waiver of premium on critical illness or disability
- Critical illness rider covering 60 illnesses for up to 15 years
- Nominee can take the payout as a lump sum or as a monthly income
Riders and add-ons
- Critical Illness — 60 conditions
- Accidental Death
- Waiver of Premium
- Income Benefit
What Click2Protect Supreme Plus does not cover
- Suicide within 12 months of policy start or revival
- Death traced to an undisclosed medical condition
- Fraudulent claims or material misrepresentation
- Self-inflicted injury within the exclusion period
What does Click2Protect Supreme Plus cost?
₹2 crore cover to age 65 · healthy non-smoker, salaried, Delhi (110010) · annual premium incl. GST
| Profile | Annual premium |
|---|---|
| 25, Male | ₹19,719 |
| 25, Female | ₹16,761 |
| 30, Male | ₹25,153 |
| 30, Female | ₹21,380 |
| 35, Male | ₹31,118 |
| 35, Female | ₹26,451 |
What we like
- Just 1 complaint per 10,000 claims — nobody else in the industry is close
- 99.66% settlement ratio, second only to Axis Max Life
- Life Stage Boost is genuinely useful if you marry or have a child mid-term
- The largest servicing network of the private life insurers
- Buying and servicing online is the smoothest of the five
What we don't
- Consistently the most expensive of the five — roughly 20% above Bajaj at age 30
- Return-of-premium variant carries a steep loading
- Rider stacking pushes the premium up quickly
- Document requests during underwriting can involve some back-and-forth
Our verdict
If servicing quality is what keeps you up at night, this is the plan. One complaint per 10,000 claims is an extraordinary number and it reflects a claims process that mostly just works. The catch is price — you are paying a real premium over Bajaj or ICICI for that reliability. For a young buyer on a tight budget we would usually point elsewhere; for a family where the payout has to be certain, the extra cost is defensible.
Every score resolves to how we score plans — plan features 45%, insurer strength 45%, premium 10%.
Frequently asked questions
Is HDFC Life Click2Protect Supreme Plus a good plan?
We score it 4.4 out of 5. If servicing quality is what keeps you up at night, this is the plan. One complaint per 10,000 claims is an extraordinary number and it reflects a claims process that mostly just works. The catch is price — you are paying a real premium over Bajaj or ICICI for that reliability. For a young buyer on a tight budget we would usually point elsewhere; for a family where the payout has to be certain, the extra cost is defensible.
What is the claim settlement ratio of HDFC Life?
99.66%, as a three-year average for FY 2024–26 from IRDAI disclosures. HDFC Life receives 1 complaint per 10,000 claims.
How much cover can I take under Click2Protect Supreme Plus?
₹25 L – no maximum limit (subject to underwriting). Entry age is 18–65 yrs.
What does Click2Protect Supreme Plus not cover?
The main exclusions are: Suicide within 12 months of policy start or revival; Death traced to an undisclosed medical condition; Fraudulent claims or material misrepresentation; Self-inflicted injury within the exclusion period.
Sources
- HDFC Life — Click2Protect Supreme Plus policy wording
- HDFC Life — Click2Protect Supreme Plus product page
Last verified
TBD marks a figure we have not yet confirmed against the insurer's own policy document. We publish it because it is our current best understanding, and we flag it because it is not yet sourced.
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.